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PS Charles Hinga Shares Insights on the Importance of Owning a Home

By John Kariuki

Principal Secretary for Housing, Charles Hinga, has shared valuable wisdom on the importance of planning for homeownership as part of Kenya’s ongoing Affordable Housing Program (AHP). His message is a timely reminder of the numerous benefits that come with owning a home compared to renting, and how this decision can significantly impact one’s financial well-being and overall life stability.

One of the most compelling reasons to own a home is that you’re contributing to your own asset rather than someone else’s. When you rent a property, your monthly payments are effectively helping to pay off someone else’s mortgage. In contrast, when you own your home, every payment you make towards your mortgage is a contribution to building equity in your property. Over time, this equity grows, increasing your wealth and financial security.

Renting comes with its own set of challenges. One of the primary issues renters faces is the uncertainty of rising rents. This unpredictability makes it harder to budget effectively and plan for the future. Homeownership, however, offers stability. With a fixed-rate mortgage, such as the one provided under the Affordable Housing Program, you can enjoy predictable monthly housing costs, helping you plan your finances with confidence.

Another key benefit of owning a home is the freedom to personalize your living space. Renters are often limited in what they can do to their homes, unable to make significant changes or improvements without seeking permission. However, when you own your home, you have the freedom to modify, renovate, or decorate as you please, making your home truly your own, reflecting your style and needs.

Additionally, homes historically appreciate in value, making homeownership a sound long-term investment. This appreciation means that your property could be worth more in the future, giving you the option to sell it for a profit or use it as collateral for future financial ventures.

Owning a home also brings with it tax advantages. Homeowners may be eligible for deductions on mortgage interest, property taxes, and potential capital gains exemptions when selling their primary residence. These tax benefits can substantially reduce your overall tax liability, offering financial relief and adding to the overall value of owning a home.

Beyond financial benefits, homeownership often provides a stronger sense of stability and community. As a homeowner, you’re more likely to build lasting relationships with your neighbors and contribute to the growth and development of your local area. You’re also more invested in maintaining and improving your home, which ultimately benefits the entire community.

When you own your home, you are in charge of the decisions. You no longer have to seek permission from a landlord for changes, and you can avoid the uncertainty of lease renewals or terminations. Homeownership provides autonomy and control over your living environment, empowering you to create a home that suits your unique preferences.

Finally, there is an undeniable pride in owning a home. It symbolizes your hard work, dedication, and success. Homeownership is a tangible accomplishment that renting simply cannot provide, offering a deep sense of achievement and fulfillment.

For those ready to begin their journey toward homeownership, the Affordable Housing Program offers a perfect opportunity to make this dream a reality.

With the wisdom shared by Hon. Charles Hinga, it’s clear that owning a home is not just a financial decision, but a step toward stability, pride, and long-term prosperity. Whether you’re looking for a place to call your own or seeking to build wealth through real estate, homeownership is a key element of building a secure future.

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Jijenge Credit Transforming Lives Through Ethical and Accessible Microfinance strategies

By John Kariuki

In an era where financial inclusion is crucial for economic growth, Kenya’s leading Credit only microfinance Jijenge Credit ltd has emerged as a game-changer in the microfinance sector. Jijenge Credit has built a solid reputation by providing swift and ethical financial solutions to millions of clients across Kenya, Sudan, and Tanzania as a non-deposit-taking Microfinance Lending Institution. With its headquarters at Town House, Nairobi, the institution continues to play a pivotal role in bridging the financial gap for individuals and businesses needing quick and reliable credit.

Recognized as one of the licensed digital credit providers by the Central Bank of Kenya (CBK), Jijenge Credit operates with transparency and integrity. This accreditation follows growing concerns over unregulated lenders who have been accused of charging excessive interest rates and employing aggressive debt collection practices. Unlike such firms, Jijenge Credit adheres to the highest ethical standards, ensuring that fair lending practices, honesty, and social responsibility remain at the core of its operations.

A key pillar of the company’s service delivery is its commitment to data protection and customer privacy. Adhering to the Data Protection Act, Jijenge Credit guarantees that all customer information is handled with the utmost confidentiality. The law imposes strict conditions on the processing of personal data, ensuring that consent is always obtained before any information is used. This commitment to professionalism has earned the institution the trust of thousands of clients who rely on its services for financial empowerment.

Jijenge Credit is not just a lender—it is a financial partner dedicated to empowering businesses and individuals to achieve their goals. Whether it is quick loans for entrepreneurs, personal financing, or emergency funds, the company has streamlined its processes to ensure that clients access funds within an hour. By eliminating bureaucratic hurdles, Jijenge Credit ensures that financial solutions are not just available but also affordable and accessible to all.

As one of the first licensed digital credit providers in Kenya, Jijenge Credit is redefining the microfinance landscape by offering fast, transparent, and customer-friendly lending services. With a strong emphasis on integrity, professionalism, and financial empowerment, the institution remains committed to helping individuals and businesses thrive in a competitive economy.

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Senator Allan Chesang’s Commitment to Bringing Water to Trans Nzoia County

By John Kariuki

Water is life, and no community should be without it—this is the guiding principle behind Senator Allan Chesang’s unwavering commitment to improving water access in Trans Nzoia County. Through the Allan Chesang Foundation, the Senator is turning this principle into reality by bringing clean, reliable water to communities that need it the most.

In a significant milestone, the foundation successfully drilled a water borehole at Maridadi Primary School in Kwanza Constituency, a move that marks a key step towards addressing the county’s water challenges. This new source of water will not only benefit the school but will also serve as a vital resource for the surrounding community.

As Chesang recently put it, “Water is life, and every community deserves access to this essential resource.” His vision goes beyond just providing a single borehole; his goal is to bring water to every ward in Trans Nzoia County. Whether it’s for schools, homes, or businesses, ensuring that water is accessible and reliable for all remains at the heart of his mission.

While he may not always be physically present in every community, Senator Chesang’s determination ensures that no one is left behind. His leadership continues to demonstrate that transformative change is possible when we work together as a community.

Through initiatives like this, the Senator is making an indelible impact on Trans Nzoia County, one borehole at a time. Each borehole drilled brings clean water, but it also brings hope, opportunity, and a better quality of life for all. As he continues to push for sustainable solutions to the water crisis, Senator Chesang remains a true champion for the people, proving that leadership that cares can create lasting change.

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Kajiado South MP Samuel Parashina’s Push for Ilasit-Taveta Road Pays Off

By John Kariuki

The relentless efforts of Kajiado South MP Samuel Parashina to have the Ilasit-Taveta road constructed have finally borne fruit. The legislator has been at the forefront of lobbying the national government to fast-track the project, recognizing its crucial role in unlocking the economic potential of the region.

On Friday, the Kenya National Highways Authority (KeNHA) Director General, Eng. Kungu Ndungu, officially handed over the Ilasit-Njukini-Taveta road site to Sinohydro Corporation Ltd for maintenance, paving the way for construction, which is set to commence in mid-February 2025.

The 66.5-kilometer road, which stretches from Taveta to Ilasit, will be completed within 30 months under an Engineering, Procurement, and Construction (EPC) arrangement. The project will feature a 7-meter-wide carriageway with 1.5-meter shoulders, new bridges, box culverts, street lighting in major centers, and improved junctions to enhance accessibility and safety.

Once completed, the road is expected to significantly boost economic activities, particularly in agriculture and tourism. Farmers will benefit from improved transportation of produce to markets, while the tourism sector will gain from better access to key destinations near the Tanzanian border.

MP Parashina has reiterated his commitment to ensuring the timely implementation of the project, emphasizing its transformative impact on local communities. “This road is a game-changer for the people of Kajiado South. It will not only improve connectivity but also stimulate economic growth by facilitating trade and investment,” he stated.

The Ilasit-Taveta road construction marks a major milestone in infrastructure development in the region, aligning with the government’s broader agenda of enhancing road networks to spur economic development. Residents eagerly anticipate the project’s completion, which will open new opportunities for business, tourism, and improved livelihoods.

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Why Ruiru MP Simon Ng’ang’a King’ara is Truly Making a Difference

By John Kariuki

When it comes to leadership that truly uplifts communities, few are as dedicated and impactful as Simon Ng’ang’a King’ara, the Member of Parliament for Ruiru Constituency. Today, his commitment to empowering the youth took center stage as the Simon Ng’ang’a King’ara Foundation threw its full support behind a remarkable initiative—the Mr and Mrs Ruiru Auditions.

Held at the Kahawa Wendani Hall in Kahawa Wendani Ward, the event saw passionate youths come together to showcase their talents in the hope of reaching the next level of this exciting competition. But it wasn’t just about the competition—it was about creating a space where young people could freely express themselves, connect, and work towards honing their skills for the future.

Simon Ng’ang’a King’ara, through his foundation, was on the ground today, showing his unyielding support for the local talent. By investing time and resources in such events, he continues to nurture the next generation of leaders, performers, and change-makers. His presence, energy, and encouragement at such gatherings reflect his unwavering belief in the potential of Ruiru’s youth.

“Talent is everywhere, but opportunity is often scarce. This is why we need to create platforms that allow our young people to shine,” said King’ara as he mingled with the participants, applauding their courage and determination.

The auditions were not only a celebration of talent but also a testament to the power of community-driven initiatives. King’ara’s support highlighted his dedication to fostering an environment where youth empowerment is at the forefront. It is through these kinds of initiatives that the future leaders of Ruiru, and indeed the nation, will emerge.

Congratulations are in order for all those who qualified for the next round of the competition. Your hard work and passion have set the stage for even greater things to come. And to Simon Ng’ang’a King’ara—this is just one of the many ways you’re proving why you’re not just a good man, but a great leader.

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State Department for TVET Ramps Up Implementation of Recognition of Prior Learning (RPL)

By John Kariuki

The State Department for Technical and Vocational Education and Training (TVET) has intensified efforts to implement the Recognition of Prior Learning (RPL) program, aiming to formalize skills acquired through experience.

In a consultative meeting held at Kabete National Polytechnic, key stakeholders convened to strategize on rolling out the initiative. The meeting brought together Stanley Maindi, Director of the RPL Delivery Unit, Dr. Patrick Muchemi, Chief Principal of Kabete National Polytechnic, and Arch. Wambua Nyamai HSC, CEO of the Kenya National Federation of Juakali Associations (KNFJKA). Also present was Miss Monday Wa Kyendo, the Kabete National Polytechnic RPL Coordinator.

One of the key issues discussed was the role of KNFJKA in mobilizing workers from the informal sector to access RPL assessment and certification. The RPL framework is designed to recognize and validate skills acquired through non-formal and informal learning, enabling artisans, technicians, and other professionals to gain formal certification without undergoing traditional academic training.

Kabete National Polytechnic, accredited as a Qualifications Awarding Institution (QAI) by the Kenya National Qualifications Authority (KNQA), serves as the National Centre for RPL. It also houses the newly established RPL Delivery Unit, operating under the State Department for TVET.

The unit is tasked with providing policy direction, oversight, and an enabling environment for the implementation of RPL. Its key objectives include ensuring quality, transparency, effective coordination, and harmonization of the RPL system to align with national social and economic policies.

By strengthening the RPL framework, the government aims to empower skilled individuals, particularly those in the informal sector, by enhancing their employability and professional recognition. The initiative is expected to bridge the gap between experience-based skills and formal qualifications, fostering economic growth and social transformation.

With TVET institutions playing a critical role in implementing RPL, the State Department for TVET remains committed to ensuring that skilled Kenyans receive the recognition they deserve, enabling them to access better employment opportunities and contribute meaningfully to the nation’s development.

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KTNTC Charts the Way Forward in Tobacco Control and Health Advocacy for 2025

By John Kariuki

The Kenya Tobacco and Nicotine Control (KTNTC) Tobacco Control and Health Promotion Alliance has kicked off 2025 with a renewed commitment to strengthening anti-tobacco advocacy, reflecting on past achievements, and strategizing for emerging challenges in the fight against tobacco and nicotine addiction.

During a strategy session held earlier this year, KTNTC reviewed its milestones in tobacco control and mapped out new approaches to address the rising threats posed by nicotine products, including vapes and nicotine pouches. The alliance reaffirmed its dedication to pushing for stronger taxation measures and policies that will protect Kenyans from the harmful effects of tobacco and nicotine consumption.

A key focus of the discussions was the need for increased taxation on vapes and nicotine pouches to curb their growing popularity, especially among the youth. KTNTC emphasized that higher taxes on these products would make them less accessible, reducing consumption rates and mitigating health risks associated with nicotine addiction.

“We must remain vigilant and proactive in addressing the evolving landscape of tobacco and nicotine consumption. Strengthening taxation and regulatory frameworks is crucial in safeguarding public health and preventing a new generation from falling into nicotine addiction,” KTNTC representatives stated.

The alliance also called for increased collaboration between government agencies, policymakers, and public health stakeholders to ensure the effective implementation of tobacco control measures. Advocacy efforts will focus on raising awareness about the dangers of nicotine products, pushing for stricter regulations, and ensuring that Kenya remains committed to global tobacco control goals.

As KTNTC embarks on its 2025 agenda, its efforts will continue to shape policies that prioritize public health and reinforce Kenya’s leadership in tobacco control within the region.

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KAMP CELEBRATES ANOTHER VICTORY IN THE HIGH COURT RULING

31 JANUARY 2025 – The High Court of Kenya, in Case Number, HCA/E1035/2024, presided over by Hon. Justice Joe M. Omido, has once again upheld justice in the ongoing legal battle over copyright licensing. This afternoon, the court declined to stay the Copyright Tribunal’s decision, reinforcing the directive that KECOBO must issue KAMP with a provisional license without further delay. This ruling marks another resounding victory for KAMP in its unwavering pursuit of fairness and the protection of copyright. Justice has truly been served, reaffirming that the law must be upheld and that producers and performers rights cannot be ignored. The court’s decision means that the license issued to PAVRISK on 2 August 2024 remains annulled, solidifying KAMP’s rightful position as a legitimate Collective Management Organization (CMO) in Kenya. KAMP Chairperson, Ms. Angela Ndambuki in response to the ruling, stated: “KECOBO’s attempt to review a stay was nothing more than a delaying tactic to obstruct justice, but today, they have been stopped right in their tracks. Justice has prevailed, and we will not be deterred in our quest to safeguard the rights of our members” Adding to this, KAMP CEO, CS Maurice Okoth emphasized: “This decision is a significant victory, not only for KAMP but for all rights holders who rely on a just and transparent licensing framework. We urge KECOBO to respect the rule of law and fulfill its obligations without further delay.” KAMP continues to lead the charge in advocating for the rights of producers and performers. This triumph serves as a firm reminder that legal due process must be respected, and regulatory bodies must act in accordance with the law. The position remains clear; KECOBO must obey the Tribunal’s orders and ensure that KAMP receives its rightful provisional license. We extend our gratitude to our members, stakeholders, and the entire creative industry for their unwavering support. KAMP WINS AGAIN – THE FIGHT FOR JUSTICE CONTINUES!

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EABL Records Revenue and Profit Growth in First Half, Demonstrating Resilience and Sustained Performance

Nairobi, 31st January 2025 – East African Breweries Plc (EABL), East Africa’s leading total beverage alcohol business, has today announced its unaudited half-year financial results for the six months ending December 31, 2024, showcasing profit growth in a challenging operating environment.

The first half of the fiscal year witnessed easing inflation and currency appreciation in Kenya and Uganda, contributing to improved business conditions. In Tanzania, the initial currency depreciation at the start of the half reversed towards December as the Tanzanian currency strengthened. Interest rates across the region also showed a downward trend, further supporting recovery. Despite these positive shifts, some challenges prevailed including shrinking disposable income and input cost inflation impacting the cost of doing business.

EABL posted a net revenue of Kes. 67.9 billion, reflecting a 2% increase compared to the same period last year and a volume growth of 1%. This growth momentum is supported by continuous investments in innovative product offerings, impactful marketing campaigns and bolstered by route-to-market efficiencies.

Profit After Tax for the period grew by 20%, reaching Kes. 8.1 billion, supported by reduced interest cost as the company reduced its debt by Kes 5 billion and foreign currency gains from the strengthening Kenya shilling.

Jane Karuku, Group Managing Director and CEO of EABL, said:
“Our strong performance this half underscores the resilience of our business and the agility of our teams. We have remained steadfast in controlling what we can and navigating challenges effectively. This has allowed us to stay on course with our long-term strategy of delivering sustainable growth.”

The Board recommends an interim dividend of Kes. 2.50.

EABL has continued to implement its strategy of embedding innovation and sustainability at the core of its operations. In the first half, the company launched several new products tailored to meet evolving consumer preferences, including Snapp Dry Cider, Baileys Strawberries and Cream, Casamigos Tequila among others.

Additionally, the company advanced sustainability initiatives such as Project Rudisha, the business’s Sprits bottles reuse initiative, accelerating its water efficiencies and use of its Biomass Steam Plants, aligning with its commitment to environmental stewardship and contributing to the broader goals of circular economy.

The results for the half year reaffirm EABL’s commitment to its business fundamentals and strategy. The company’s focus on innovation, operational efficiency, and strong stakeholder relationships continues to position it as a leader in the regional market.

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CS Aden Duale Leads Charge to Tame the Mathenge Menace in Garissa

By John Kariuki

Garissa County witnessed a high-profile visit by Cabinet Secretary for Environment and Climate Change, Hon. Aden Duale, who spent the day inspecting ongoing programs by the Kenya Forest Research Institute (KEFRI). Accompanied by Forestry Principal Secretary Gitonga Mugambi, Duale was received by Garissa Governor Nathif Jamaa and other county leaders. The visit centered on a pressing issue that has plagued the region for decades—Mathenge (Prosopis juliflora), an invasive tree species that has turned from a once-promising solution into an ecological nightmare.

Initially introduced for its ability to withstand drought and improve vegetation cover in arid lands, Mathenge has instead become a ruthless invader, choking farmlands, taking over grazing areas, and even damaging infrastructure. In communities across Garissa and other ASAL regions, its deep roots suck up already scarce water, leaving the soil dry and unproductive. Its thorns have maimed livestock, and its aggressive spread has made it a formidable enemy to farmers and herders alike. Recognizing the scale of destruction, the Kenyan government officially declared Mathenge a noxious weed in 2008.

Yet, in the midst of this environmental crisis, experts are now looking at Mathenge through a different lens—not just as a problem, but as an untapped resource. The very plant that has caused so much destruction could hold the key to economic transformation in the region. KEFRI, in collaboration with international partners including the International Labour Organization (ILO) PROSPECTS program and the Embassy of the Netherlands, is spearheading an ambitious initiative to turn this menace into a source of livelihood for thousands.

The strategy is simple but powerful—manage and exploit Mathenge rather than fight a losing battle against it. Through controlled harvesting, value addition, and commercialization, the project seeks to convert the tree into a source of income while restoring balance to the ecosystem. The plan includes producing high-quality charcoal, firewood, construction poles, and livestock fodder. Additionally, Mathenge’s flowers support honey production, opening up yet another economic avenue for local communities.

Beyond environmental conservation, the initiative is a lifeline for job creation. By mainstreaming Mathenge’s value chain and promoting new technologies, the project is creating sustainable employment opportunities in a region where economic prospects have been limited. This innovative approach is not just about saving the land—it’s about empowering the people who depend on it.

During his visit, CS Duale reaffirmed the government’s commitment to restoring degraded lands while ensuring that affected communities benefit economically from these interventions. He acknowledged the resilience of Garissa residents and emphasized that solutions to environmental challenges must go hand in hand with economic empowerment.

With the government and its partners pushing forward, the once-feared Mathenge could soon become a symbol of resilience and reinvention. For the people of Garissa and beyond, what was once a thorn in their side may just turn into a golden opportunity.